Are you going through Total Rewards Visa card harassment?
When you don’t make payments for your Total Rewards Credit Card, loans, utility bill, or even your monthly internet services, your bill may be sent to a collection agency. These collection agencies who serve as middlemen are hired to collect the Caesars Credit Card company’s outstanding debts, however, you will still be responsible for your Comenity Total Rewards account after it has been submitted to a collection agency.
Your Caesars Visa debt is now their responsibility to collect, and they have a right to call you. What they don’t have a right to do is harass, insult, threaten, or stress you out.
You are protected from debt collection harassment over your Caesar Rewards Visa card by a federal law known as the FDCPA.
Understanding your rights and what debt collectors are not allowed to do will help you better handle any issues you may face during the collection of your Comenity Total Rewards Visa card.
What are Caesar Rewards?
Caesars Rewards (formerly known as Total Rewards) is the loyalty program for all Caesars Resort properties.
Caesars has got properties around the country and throughout the world. They also have a presence on the Las Vegas Strip. Caesars Rewards has one of the most rewarding casino elite statuses available, this can be attributed to its wide portfolio and kind elite perks like annual free dinners, waived resort fees, and more.
You can access more information about the Caesar Credit Card here comenity.net/TotalRewardsVisa.
Remember to keep your Caesars Credit Card login details safe, as they could easily get into the wrong hands.
Total Rewards Visa Customer Care: 1-800-Caesars (1-800-223-7277)
Address: One Caesars Palace Drive Las Vegas, NV, 89109 United States
What happens when you do not pay a debt that is already in collection?
You may find yourself unwilling to pay off the Comenity Caesars card debt or to negotiate with the Caesar Credit Card debt collector.
This is understandable. Many people whose debts are already in collection are too scared and worried about what may happen to them or their finances, so they choose, instead, to ignore the debt and the debt collector’s calls. Nevertheless, before you decide not to pay your Comenity bank Caesars card debt in collection, you must understand the implications of not paying off debts.
The debt collector’s reports of your account to the credit bureaus can affect your credit score for months and even years. Your credit score will drop and is likely to worsen if you have a credit card (or any other) debt. As a general rule, the delinquencies that occur before you issue payment to the collector will reduce your creditworthiness by the time you finally make payments.
While paying off your Total Rewards Visa card debt might not be a very exciting experience, it is quite crucial to understand that paying overdue amounts has several benefits. It can help you steer clear of debt collection worries, and additionally, paid debt will have a more positive effect on your credit report than unpaid ones, especially when you are seeking a new loan. It’s a good idea to check your credit report regularly for bills you don’t have, and if you have a legitimate bill, it’s usually best to follow it up and pay.
The major duty of a debt collector is to get you to pay your debt. Unless this happens, they won’t make a profit. Therefore, they employ various tactics to collect the debt you owe. You will continue to experience constant phone calls and messages from debt collectors until you finally make payments.
Just so you know, the moment your Comenity bank Total Rewards card debt is in collections, making payments with the original creditor may no longer be a choice. Further contact and negotiation may have to be with the collection agency.
Luckily, you can put an end to the Caesar credit card debt collector’s calls by requesting them to stop calling through letters. Be cautious of some debt collectors who disregard the law and continue calling, nonetheless. This is why there are more complaints about debt collectors to the Federal Trade Commission than about any other industry.
A collection agency is typically in charge of a debt only for a few months. If they are unable to get you to pay in that period, the debt may then be assigned to another collection agency to pursue further. This process can be repeated many times over several years until at last, you make payments. We don’t think having a debt collector on your trail is an experience you may want to encounter for that long. On a side note, because of the process involved in debt collection (the debt going around from one collector to another, sometimes without sharing records), you should definitely send a debt validation letter to ensure the debt is valid.
Harboring an unpaid debt in collections can also be a sign to other creditors and lenders that you never keep to your payment promises which may go on to affect your chances of getting a loan because you are seen as a risky borrower hence, all other applications for new credit may be rejected.
Notwithstanding, whether you pay the collection agency calling over your Total Rewards Visa card or not, it will remain on your credit report for the entire credit reporting time limit. Then, when that time ends, it will be removed from your credit report. The debt is still yours and the debt collector can still pursue it further if it is within the statute of limitations, however, the said debt wouldn’t reflect on your report anymore.
Are you getting harassing calls over your Total Rewards Visa card?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known Total Rewards phone number. You may be a victim of harassment from Total Rewards. The list above is not all the numbers that Total Rewards uses. The calls can be from different phone numbers and still be Total Rewards calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Total Rewards visa card debt. Contact our office right away if you would like to put an end to the harassment.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication.